Shop without perfect credit · 1054 Beach 20th Street, Far Rockaway, NY
Thin credit file, past dings, or no credit history at all — none of that shuts the door here. BK Wireless offers lease-to-own through Acima and Progressive Leasing: no credit history is required to apply, you can start a lease for as little as $50, and most people walk out with a working phone the same day.
Lease renewal payment amount, period to ownership, and total cost vary by item selected. This is not a promotion for a specific transaction or item. Offer will not reduce the number of payments, total amount necessary to acquire ownership, or purchase option amount. Acima offers lease-to-own transactions — this is not a loan, credit, or financing offer.
What the application actually looks at — the honest version.
Key difference
You are not applying for credit. Acima or Progressive Leasing buys the phone and leases it to you — so a loan-style credit decision is not what is happening. That is why perfect credit is not the requirement it would be at a carrier store.
Consumer reports
No credit history is required to apply, but the application is not a rubber stamp either — Acima obtains information from consumer reporting agencies to review your application. Approval and amount are their call, not ours.
Up to your approval
Approvals come back in minutes with an amount — your shopping power at our store. We match you with a phone that fits it, from budget models to flagships.
Your call
Flexible lease renewal payments are scheduled around your payday. Own it by finishing the lease, own it sooner for less with an early purchase option (action required — see your agreement), or return the phone in good condition at any time without penalty.
Straight talk: ownership through leasing costs more than the cash price if you run the full lease term. If you can pay cash or qualify for other options, compare first — and if lease-to-own is the fit, use the early purchase option to keep the total down.
We've been on Beach 20th Street since 2008, and 'the bank said no' has never meant 'no phone' in our store.
Ready now?
Apply with Acima from your phone, or send our 30-second form and we'll text you to get set up. Walk-ins welcome — Mon–Sat 10 to 7, Sun 11 to 6, at 1054 Beach 20th Street.
Apply with Acima Send the lease formYes. No credit history is required to apply with Acima or Progressive Leasing. The application does include a review of consumer reports, but it is a lease application — not a loan or credit card application.
It is not a loan-style credit application. Acima obtains information from consumer reporting agencies in connection with the lease application, and approval decisions are made by the leasing company.
No — these programs exist for shopping without perfect credit. Approval and approval amount are decided by Acima or Progressive Leasing when you apply; the application takes about five minutes and you will know quickly.
You can start a lease for as little as $50 at BK Wireless. Lease renewal payment amount, period to ownership, and total cost vary by item selected.
Lease-to-own is not a credit product, so do not count on it for that. If your goal is specifically building credit history, this is not the tool — the value here is getting a working phone today with flexible lease payments.
Contact us or the leasing company as soon as you can — payments can often be rescheduled around your payday. You can also return the phone in good condition at any time without penalty; any payments already missed would still be owed.